Run your own numbers before the meeting.
Eight tools, each built to answer one question properly: what you are worth, what your home equity can do, whether your super will get you there, and what a financial adviser charges. Nothing is stored and nothing needs your email.
Wealth health check.
How healthy are my finances, honestly?
Nine areas scored out of 10: buffer, debt, super, investing, protection, estate, the plan and how money feels. Flags what to fix first, in order.
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Superannuation calculator.
What will my super actually be worth?
Projects your balance to retirement in today's dollars with every assumption editable, shows the lower-return case beside it, and prices what one extra $100 a month is worth against your own years-to-go.
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Capital gains tax calculator.
What will this sale cost me in tax?
The full cost base, carried-forward losses applied before the 50% discount rather than after, and the gain taxed as the difference it makes to your return - not multiplied by a flat rate.
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Net worth calculator.
What am I actually worth, and where does it sit?
Assets minus liabilities, quick or fully itemised, with liquid net worth, debt-to-asset ratio, the property/super/investable split and an ABS comparison by age.
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Home equity estimator.
How much equity have I built, and how much can I use?
Property value minus what is secured against it, plus usable equity at the 80% lender ceiling, with the pre-computed table if you would rather just read it.
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Retirement readiness check.
Will my super fund the retirement I want?
Projects your balance in today's dollars against the ASFA benchmarks and the rule of 25, and sizes the gap plus what closing it costs a year.
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Age Pension calculator.
Will I get the Age Pension, and how much?
Runs both the assets test and the income test, names the one that is limiting your payment, and shows what every extra $1,000 of assets is costing you a year.
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Transition to retirement.
Can I cut my hours, or my tax, without shrinking my super?
A TTR pension side by side with doing nothing: take-home pay, tax saved, super at 67, and a verdict that will tell you when it is not worth it.
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Debt recycling calculator.
Is recycling my mortgage better than just paying it down?
Compares directing surplus cash at the loan against recycling it into investments, on your own rate, return, tax rate and timeframe.
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What advice costs.
What will a financial adviser actually charge me?
Published fee ranges for Australian advice in 2026, initial and ongoing, including our own workshop pricing. Not a calculator, just the numbers nobody prints.
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Why none of these ask for your email.
Most adviser calculators are lead traps: the result sits behind a form and the numbers are tuned to flatter. Ours run on your screen, print their assumptions underneath, and leave the next step with you. The bet is simple: if the numbers are useful, you will want to talk to the people who can move them.
Frequently asked questions.
Do I have to give an email address to see results?
No. Every tool runs entirely on your screen: nothing is stored, transmitted or attached to you, and there is no email wall in front of any result. If you want an adviser to look at your numbers afterwards, that is your call to make.
Which tool should I start with?
If you have never put a number on it, start with the net worth calculator: it is the scoreboard every other answer sits on. If you want to know what to fix first, the wealth health check scores nine areas and orders the flags. If retirement is the question, go straight to the readiness check.
How accurate are the results?
They run standard, stated arithmetic (net worth is assets minus liabilities, usable equity is 80% of value minus the loan, retirement projections compound at a 4% real return, the rule of 25 is annual spending times 25) and each tool prints its own assumptions underneath. They are estimates, not projections of your actual outcome, and they do not know your tax position, income or circumstances.
Are these tools financial advice?
No. They provide general information only and do not take into account your objectives, financial situation or needs. Richard Leal (AR 327265) and Link Wealth Pty Ltd (CAR 1312767) are authorised representatives of Millennium 3 Financial Services Pty Ltd (ABN 61 094 529 987), AFSL 244252, and personal advice is given in a meeting, not by a calculator.
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The numbers are free. So is the first conversation.
Run your figures, then bring them to a free, no-obligation discovery meeting. A licensed adviser will tell you what they mean and what moves them.
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